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At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Summary of the Job:

The Senior Analyst serves as a key technical expert within the bank's credit risk management function, providing advanced analytical support and insights to drive informed credit decisions. This experienced professional conducts in-depth analysis of credit card portfolios, and develops and enhances existing account management (EXM) risk strategies, such as credit limit increase/decrease, account closure, balance transfer, and overlimit/delinquent authorizations. This role is also responsible for strategy tracking and analysis supporting EXM profit/loss optimization. The position requires strong analytical capabilities combined with business acumen to translate complex credit data into actionable recommendations. The Senior Analyst works with minimal supervision while providing expert opinion to cross functional staff.

About This Role:

Major responsibilities:

+ Analyze existing customer strategy data to measure performance and develop strategy enhancements.

+ Comprehensive analysis of credit card portfolio performance metrics including delinquency, charge-off, and utilization patterns.

+ Analyze customer-level behavior including transactor/revolver patterns and payment behaviors and evaluate risk-adjusted returns across card products, segments, and acquisition channels

+ Perform statistical analyses to identify performance trends and relationships and develop EXM strategy optimization recommendations.

+ Communicate proposed changes to risk committees, marketing, finance teams and strategy forums among others.

+ Partner with Marketing, Finance, and other areas of Credit to articulate detailed EXM strategy performance.

The Ideal Candidate for This Role:

Knowledge & Skills

+ Knowledge of consumer and/or small business credit card.

+ Understanding statistical techniques and modeling.

+ Understand and articulate practical business applications in credit risk management.

+ Ability to work with data to identify complex business trends and propose solutions.

+ SQL, Python, SAS and BI tools

Education and Experience

+ Bachelor’s degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required. Advanced degree preferred

+ 3+ years of experience in Fraud/Credit management or other highly analytical business field or advanced degree in STEM field

+ Proven ability to work collaboratively within a cross-functional team environment.

+ Ability to present recommendations and influence senior management.

+ Demonstrate excellent oral and written communication skills.

+ Demonstrate ability to meet deadlines and work independently.

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation:

Compensation range (base pay): $80,061.00-$132,099.00

_This role may have a specific starting pay within this range._

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

+ Medical, Dental, Vision Insurance

+ 401k, With Matching Contributions

+ Time Off Programs

+ Health Savings Account (HSA)/Dependent Care

+ Employee Banking

+ Growth Opportunities

+ Tuition Assistance

+ Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .

For additional information regarding compensation and benefits, e-mail FNBO at [email protected] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20250993

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here. (https://www.fnbo.com/careers/belonging)

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster.pdf) to download **'EEO is The Law' Self-Print Poster**

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster\_federal\_contractors.pdf) to download **'EEO is The Law' Supplement for Federal Contractors**

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster\_gina\_supplement.pdf) to download **'EEO is The Law' GINA Supplement**

FNBO is an Equal** **Opportunity/Affirmative** **Action/Veterans/Disability** **Employer - Member FDIC

**FNBO follows federal law regarding the use of marijuana** _(this applies to all non-California applicants)_

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.